EMV Chip Cloning ... DOES IT REALLY WORKS? Nope!

Hello, everyone.

Given the vast amount of information circulating on this topic, I'd like to provide a quick overview of EMV chip cloning. So, let's start with the basics: in 2023, it is impossible to create an exact copy of an EMV chip.

An EMV chip is essentially a small microprocessor that runs a specific application. It doesn't simply produce the same response every time. Instead, it operates as a challenge-response system. It reads a "challenge" message from the terminal, performs computations within the chip, and then generates a unique "response" message. You can't just read the chip's stored data, but you can interact with it by sending commands from the EMV set and observing its responses.

To fully clone an EMV chip, you would need to acquire the secret information stored within it. While all EMV cards come with an Issuer Master Key, generating an Application Request Cryptogram (ARQC) for a specific transaction requires two additional keys:

1. Card Key
2. Session Key

Each EMV scheme, such as Mastercard and Visa Chips, has its own algorithm for generating these keys. Some algorithms are standardized and part of the EMV specification, while others are proprietary and not accessible. This means that creating a correct ARQC is virtually impossible without this proprietary information.

Now, let's talk about EMVCo certification. What is it? EMVCo certifications are essential for enabling EMV payments. Without Level 1, Level 2, and Level 3 certifications, you won't be able to succeed with EMV payments.

I hope this post proves helpful to those who have been repeatedly deceived by scammers over the years. Names like X, Foundry, and emvstudio.org are all associated with scams perpetrated by an individual using the pseudonym "TitusKing." This individual sells software and leads people to believe they can legitimately set a valid Answer-to-Reset (ATR) and load a valid Initial Secure Transport (IST) on blank Java cards. However, this is not the case.

To other potential scammers - refrain from preying on those who have already been scammed.

To the rest of you - avoid the allure of quick riches and realize that EMV cloning is not feasible. You will still encounter errors like "We're unable to complete this transaction."

Dumps may sometimes be genuine (if your vendor is genuinely skimming cards), but success is only possible if you encode the tracks on a magnetic stripe and use them on point-of-sale (POS) devices. The success rate is approximately 50/50.

Cashout videos are typically fake. If someone sends you a video showing a blank JCOP card that suddenly works, they likely heated the back of their own bank card with a heat gun. The adhesive used to attach the EMV chip to the card melts, allowing them to replace it with their own chip and simulate a successful cashout (chip swipe). Fortunately, most modern bank cards now have NFC functionality, making this chip swipe trick practically impossible due to the near-impossibility of removing the contactless antenna from the plastic without damaging it. This renders the chip useless, and the transfer won't work (hopefully discouraging further scams).

Most scammers in this field may not appreciate my honesty, but I hope those who read this will genuinely appreciate my commitment to truth and transparency.

There are plenty of other ways to engage in fraudulent activities, so don't be fooled. Keep reading and learning. Get rich through legitimate means or die trying.